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Admiral and Aviva are two of the largest car insurance companies in the UK. Both come with many 'must-have' features, but they do not offer equal products. The team at NimbleFins has compared each company's car insurance offering to help readers trying to decide which might be the superior product for their needs.
Quick Overview: Admiral vs. Aviva Car insurance
Each company offers a different set of features, which can make it difficult to decide which is best for you. Below we recap some of the best features of each, as well as what's missing. From our comparison, the two policies are set apart primarily by their courtesy car and EU coverage. But there are other differences to keep in mind as well. Find out more below...
What we like about Admiral
Admiral comprehensive car insurance, rated 4 out of 5 stars by our editors, is superior to Aviva for the following notable reasons:
- EU cover (up to 90 days included as standard)
- No fault NCD protection (included as standard, subject to conditions explained below)
- Stereo and satellite nav (better cover for aftermarket additions)
What we like about Aviva
Aviva, rated 3.5 out of 5 stars by our editors, is superior to Admiral for the following notable reasons:
- Courtesy car for total loss or theft is available (if you buy the add on)
- Larger/premium courtesy car
- Free mid-term changes (online)
Here's a quick, high level comparison of how Admiral and Aviva compare on cost, features, customer service access and customer ratings.
|Car Insurance Comparison||Admiral||Aviva|
|Cheaper for our sample driver||More expensive for our sample driver|
Customer Service Access
|Webchat and phones lines open 7 days a week, including bank holidays||Webchat and phones lines open 7 days a week, including bank holidays|
|Read NimbleFins' Admiral Review||Read NimbleFins' Aviva Review|
|Get Admiral Quotes||Get Aviva Quotes|
Admiral vs Aviva Overall Review
We compared the policy features of Admiral and Aviva. There are four main differences between them: courtesy car (total loss or theft), EU cover, larger courtesy car and no fault NCD protection. Also a smaller minor difference in stereo and satellite nav cover, that may be worth noting.
Admiral offers the same cover in the EU and no fault NCD protection all as standard. Whereas, Aviva requires an additional premium for EU cover and simply do not offer no fault NCD protection.
However, Aviva does offer a courtesy car (total loss or theft) and a premium courtesy car add on option, this is something Admiral's comprehensive policy lacks. If courtesy cars are important to you, be sure to take note of this.
Find full details and more in the table below:
|How Do They Compare?||Admiral Comprehensive Coverage||Aviva Comprehensive Coverage|
"Must Have" Features
|Yes, if you use an Admiral glass helpline. If not, they will pay £25 for each glass repair and/or £50 for each glass replacement||Included|
|Belongings||Up to £150||Up to £150|
|Up to £300, as long as not lost/stolen from your vehicle||Cover for replacement locks if keys stolen or lost|
|Yes, if you are eligible||If you buy the add on|
Car recovery after accident
|Car delivered to Approved Repairer, your home or safe storage within 30 miles||Included|
|Courtesy car (repairs)||Included, if you use an approved repairer||If you buy the add on|
Repairs guaranteed (if use approved repairer)
"Should Have" Features
New car replacement
|Theft or if cost to repair more than 59% of list price; cars up to 12 months old||If the cost of repairing will be more than 60% of UK list price (inc. taxes); vehicle must be less than 1 year old; you must be the first and only registered keeper and legal owner|
|Stereo and satellite nav||Equipment fitted by the manufacturer is covered in full. For 'aftermarket' equipment up to £1,250 or market value of your car, whichever is the lower||If permanently fitted to your vehicle|
|Alternative transport & Hotel after accident||If you buy the add on, up to £50 per person (maximum £150) for travel. Up to £200 for overnight accommodation, if you are 25 miles away from your home||Up to £150 total|
|24-hour emergency helpline||Included||Included|
|Courtesy car (total loss or theft)||Not included||If you buy the add on|
|Motor legal expenses||If you buy the add on||If you buy the add on|
|Breakdown cover||Must buy 'Platinum' coverage||If you buy the add on|
"Could Have" Features
Same cover in EU
|Up to 90 days||Add on available if you call at least two weeks prior|
|Child car seat replacement after accident, theft, fire||Included||Included|
|Larger/premium courtesy car||Not available||If you buy the add on|
No fault NCD protection
|Included (if Admiral have recovered their money in full)||Not available|
|Uninsured driver NCD protection||Included||Included|
|Full refund during 14 days of receiving your welcome documents. If cancelled after that, you will be charged for the number of days you have been covered, plus an admin fee||£0 cancellation fee during cooling off period if cover has not started; otherwise £38 + IPT|
What we don't like about Admiral
Admiral lacks coverage for the following features:
- Courtesy car (total loss or theft)
- Larger/premium courtesy car
What we don't like about Aviva
Aviva provides worse coverage for the following features:
- EU cover
- No fault NCD protection
- Stereo and satellite nav
Admiral vs Aviva Cost Comparison
The table below compares what many see as a deal breaker … the cost.
For our sample driver, it appears that Admiral's comprehensive policy is cheaper when paying one annual payment.
The monthly payment is also lower and it is important to acknowledge they require 11 monthly payments rather than 10. This allows for the deposit to be over £50 cheaper than Aviva.
However, as we always say, quotes are very case sensitive and you must get your own quotes before making any decisions.
|Admiral Comprehensive||£543.20||£48.60 (11 payments, £48.73 deposit)|
|Admiral Third Party, Fire and Theft||£424.48||£37.98 (11 payments, £38.05 deposit)|
|Aviva Comprehensive||£655.00||£57.68 (10 payments, £109.17 deposit)|
|Aviva Protected NCD||£79.00||£6.58|
|Aviva Motor Legal||£29.00||£2.42|
|Aviva Courtesy Car (total loss, theft or repairs)||£27.00||£2.25|
|Aviva Breakdown Cover||£45.62||£3.80|
|Aviva Foreign Use||£28.00||£2.33|
These quotes are based on 22-year-old Essex-based male driving a 2008 Ford Fiesta, 8,000 miles a year. He parks at home. They have been driving for 4 years and has 3 years no claims. This quote is for a young driver, hence why they are so high. Drivers with more experience can pay up to 45-50% less than the premiums listed here.
Admiral vs Aviva Reviews and Ratings Compared
It is always good to observe customer reviews as it shows how their clients are enjoying (or not enjoying) their service.
Below, you'll see that Aviva has a higher Trustpilot rating but a lower reviews.co.uk rating than Admiral. The Trustpilot rating better than nearly 1 and a half stars, with 76% of reviews being a full five stars. Only 55% of people gave Admiral five stars.
However, Aviva's FOS complaint ratio is significantly higher than Admiral. This suggests that maybe customer service is a weak spot for them.
Finally, Defaqto have identified all of Admirals policies as 5 star policies. Whereas, some of Aviva's policies warrant 3 stars, while others earned the full 5.
|Review Site||Admiral Ratings||Aviva Ratings|
|Trustpilot||3.3 out of 5||4.7 out of 5|
|reviews.co.uk customer service rating||2.87 out of 5||2.03 out of 5|
|FOS Complaint Ratio||2.34||6.03|
|Defaqto||5 star policies||3 & 5 star policies|
Aviva vs Aviva Cancellation Fees Compared
Unfortunately, sometimes we need to cancel our car insurance. In which case, it is important to know what it will cost you.
The table below shows that Admiral will either refund fully or in proportion to how many days you've been covered (plus an admin fee). Whereas, Aviva will charge £38 (plus IPT) once cover has started.
Where the biggest difference lies is with mid-term admin changes. Aviva allow free changes if made online or charge £18 (plus IPT) if you have to do it over the phone. Admiral, on the other hand, will charge anywhere between £9.50 to £65. If you think there's a chance of needing a mid-term change, bare this in mind.
|When Are You Cancelling||Admiral||Aviva|
|During cooling off||Full refund||£0 or (if cover has started) £38 + IPT|
|After cooling off period||Charged for the number of days you have been covered, plus an admin fee||£38 + IPT|
|Mid-term admin changes||£9.50 to £65||£0 (online), £18 + IPT (over Phone)|
Important Phone Numbers
In the unfortunate event you need to contact customer service, both Admiral and Aviva have similar opening times. When it comes to their webchat services, Admiral have significantly better opening times — especially on Sundays.
See full details below:
|Customer Service (Mon-Fri)||8am-7pm||8am-8pm|
|Customer Service (Sat)||9am-5pm||8:30am-5pm|
|Customer Service (Sun)||9:30am-4pm||10am-4pm|
|Customer Service (Bank Holiday)||9:30am-4pm||10am-4pm|
Admiral Contact Numbers
|Admiral Contact Numbers|
|Customer Service (UK)||0333 220 2000|
|Renewals||0333 222 6715|
|Claims (in UK)||0333 220 2033|
|24 Hour Helplines|
|Windscreen Claims||0333 220 2025|
|Accident recovery||0800 600 840|
More information about Admiral car insurance policies can be found by reading their policy documents.
To read about the full details of an Aviva policy, including what's covered and exclusions, read through the Aviva car insurance policy documents here.